What process do you go through when reinstalling Windows XP on a personal system? This includes setting UI options, registry changes, "must-have" applications, desktop customization, security settings, etc.

This question is primarily targeted at those who have done this so many times they have a "system" they use over and over.

---immediately after install
display - load video drivers if needed and set resolution
network - load network drivers if needed
accounts - create account "user" with admin priviledges and a strong password. use this account for all further activity

TweakUI and the "Command Prompt Here" Power Toy are usually the first things I put on after a fresh install (mainly so I can get rid of that dumb animated dog in the Search window :-) After that, I usually install some of the Sysinternals utilities (Process Explorer especially)